Personal Banking

America's Best Checking™ Account

Limited time offer! Get $50* when you sign up for your first personal checking account.
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Compare Personal Checking Account Options

Whether you are searching for checking accounts with no minimum balance, or you want to earn interest and are able to maintain a minimum balance, you'll find the checking account that's right for you at Bell. 

$50 minimum deposit to open all checking accounts

America's Best FREE Checking 

America's Best Interest Checking

America's Best Premier Interest Checking

Sneaky fees

Say Goodbye to Sneaky Fees and Get 50!*

Find out where sneaky fees are hiding at your bank with our bank fee comparison tool. See how much you could save on out-of-network ATM, minimum balance, paper statement fees and more

FREE Account Features and Benefits

  • FREE

    Nationwide ATMs

    Bell never charges you for using any ATM - ours or someone else's. Bell will automatically refund the first four ATM fees (charged by the machine owner) on your monthly statement. 
  • FREE

    Mobile App and Online Banking

    Pay bills, check balances, transfer funds, set alerts and deposit checks on your desktop or mobile phone. (There may be a fee for expedited Bill Pay.)
  • FREE

    Identity Theft Recovery

    With up to $10,000 expense reimbursement insurance (underwritten by Lyndon Southern Insurance Co.), even for non-Bell Bank accounts.
  • FREE

    Personalized Debit Card

    Make your debit card as unique as you. Proudly show off your children, pets, favorite vacation spot, or even your local sports team.
  • FREE

    Standard Checks

    Order unlimited standard check blanks online, in person or over the phone.
  • FREE

    Debit Card Manager

    Control debit card usage and spending on the go! Turn your debit card on and off, set transaction controls and receive alerts.
  • FREE


    Round up your debit card purchases, deposit the difference into your savings account & receive a 5% match** from Bell – up to $250 a year!
  • FREE


    Zelle® is a fast, safe and easy way to send and request money1 with friends, family and others you trust.

    Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 1. Must have a bank account in the U.S. to use Zelle®.

Mobile Check Deposit

Switch to a Checking Account You'll Love

We make personal banking easy just for you. Choose from two convenient ways to open a checking account by signing up online or stopping by a location.
**The annual match limit is $250. You need to be enrolled in ChangeSaver and have your checking and savings account open on the last day of the year to receive your 5% match for the year. If you close either account before the end of the year, matching funds are forfeited. You may receive Form 1099-MISC for income you receive from us. 

Still Have Questions?

Our team is available to help answer your questions about personal banking. Contact customer service toll-free at 800-450-8949. Weekdays from 7:00 a.m. to 10:00 p.m. CT, and weekends from 7:00 a.m. to 6:00 p.m. CT.